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I am an independent contractor and have no defined benefit program other than an existing IRA account that I've had for quite some time.

I have a part-time job that has a 401-K plan that I've contributed 15% to over the past 2.5 years. I've just been notified that the company will not vest their 5% contribution to my plan since I don't work enough hours (<1000 hrs.)

My DW has a 401-k and she contibutes 16% to that. She also has a self-directed IRA outside of that.

Neither of us has a Roth IRA.

Neither of us make contributions to the existing IRA's.

Should I continue making the 15% contibution to the 401-K? I could make a 40% contibution, the highest allowed under the plan without a problem.

Or, should I take the money earned from the part time job and make Roth contributions instead?

BTW, the 401-K that I have is through a big mutual fund company and IMO has some lousy investment choices.
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